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BuyReady.aiis your personal AI home buying agent. Tell us your financial situation and the home you want, and we'll tell you when you can afford it and give you a step-by-step roadmap to get there.

1. Try the free Home Date calculator— Enter your income, debt, savings, and target home price. We'll tell you approximately when you'll be ready to buy. No signup required.
2. Create an account — Sign up to unlock your personalized roadmap and property reports.
3. Complete the AI onboarding chat — A short conversation collects your financial picture, home goal, and eligibility for grants and special programs.
4. Use your roadmap — Get an actionable plan for credit, savings, debt, income, and mortgage prep tailored to your Home Date.
5. Generate reports— When you find a specific property, use a credit to get a full 14-section report with a personalized "Should You Buy?" score.

Your Home Dateis an estimate of when you'll be financially ready to buy your target home.

• Free & no signup: The Home Date calculator is a pure-math tool that runs entirely from your inputs. No credits, no account needed.
• How it's calculated: We combine your current credit score, down payment, debt-to-income ratio, and savings rate against the mortgage requirements for your target home price.
• Gaps drive your roadmap: If your finances fall short on any dimension — credit, savings, debt, or income — your roadmap will include a specific plan to close that gap.
• Updates automatically: Each time you change your financial profile, your Home Date and roadmap refresh.

Your roadmap is a personalized, AI-generated action plan that turns your Home Date into concrete next steps. Every subscriber plan includes a live roadmap.

Your roadmap contains five plan sections:

Plus a Grants & Programs section listing any down-payment assistance or special loan programs you may qualify for.

• Live updates: When you edit your profile, you can regenerate your roadmap to reflect the new numbers.
• Gap-aware:Each plan section shows whether you're on track or have a gap to close before your target Home Date.
• Snapshot at generation:Each roadmap preserves the financial data that was used to create it, so regenerating later doesn't rewrite history.

A report analyzes one specific property against your financial profile. One report costs one credit.

Each report includes 14 personalized sections:

Data sources include RentCast (property data), FBI Crime Data, GreatSchools, Walk Score, Census Bureau, FEMA flood maps, and Freddie Mac mortgage data. Each section cites its sources.

Snapshot protection: Every report saves the financial data used to generate it. Updating your profile later does not change older reports.

Many buyers qualify for down-payment assistance, special loan programs, and grants that can dramatically shorten the path to home ownership. We match you automatically based on your eligibility.

• Matched to you: Programs are filtered by your state, first-time-buyer status, veteran status, and essential-worker role.
• Where you see them: On your roadmap, in the Grants & Programs section.
• Keep your profile current: If you become a first-time buyer, join the military, or start an essential-worker role, update your profile so we can match you to new programs.
• Availability changes: Grant programs are updated periodically. Eligibility and funding levels change, so always confirm with the issuing agency before relying on an amount.

Personal Guidance lets you ask specific questions about your home buying situation and get an AI-generated answer grounded in your financial profile and roadmap.

• Included in Standard and Pro. Free and single-purchase users do not have access.
• Access: Click Ask Expert on your dashboard or visit the Guidance page.
• Not human advice: Answers are AI-generated. For legal, tax, or binding mortgage advice, consult a licensed professional.

Your financial profile powers every calculation — Home Date, roadmap, and report affordability. Keep it current for the most accurate results.

• Annual household income
• Monthly debt payments
• Monthly living expenses
• Credit score range (we only ask for a range, never the exact score)
• Down payment saved
• Household size
• Target home price

These flags determine which grants and special programs you match. Update them any time your situation changes.

• First-time home buyer
• Veteran or active military
• Essential worker (teacher, first responder, healthcare, EMT/firefighter)

Update anything on your Profile page. Changes apply to future reports and roadmap regenerations.

• Financial data is private: Your income, debt, and credit information is never shared with third parties or used for marketing.
• Secure payments: All payments are processed through Stripe. We never see or store your credit card number.
• Data isolation: Row-level security ensures you can only ever see your own reports, roadmap, and profile.
• Fair Housing compliance: Our AI never considers race, ethnicity, religion, familial status, or any protected characteristic.